Decoding the Success of Apps Like Blinkit & Cred

Cred and Blinkit are operating in two different industries. Blinkit is popularly recognised as a quick commerce mobile app, while Cred is a fintech app that makes credit card management efficient for users.

If someone had told us a few years ago that we could get groceries delivered to our doorstep in just under 10 minutes, we would not have believed it. Blinkit brought a wave of quick commerce in India, which no one thought was possible. Despite the conditions of the roads in India, Blinkit delivery partners enable a quick delivery as promised on the app to the users.

Cred, on the other hand, brought a revolution in the fintech industry. They created what no one thought was possible – making credit card transactions online interesting.

Both applications use artificial intelligence to engage customers and drive more conversions. Let’s see how both applications carved their success story in the Indian market landscape –

Success Story of Cred: Personal Finance Management Made Easy

Cred is a mobile app that enables making credit card payments easily and efficiently. Cred works on a simple principle – timely credit card payment deserves an appreciation. Hence, the cred mobile app uses a gamification feature to engage users. This is what their brilliant move is – to make credit card payments interesting.

Cred broadly targets credit card users as its primary audience. The cred app allows users to pay their credit card bills in exchange for rewards, coins and offers. The application offers rewards points and gamification features upon successful credit card bill payments. Users can use the coins and other rewards on the credit app to redeem them for cash.

Cred app stands out in the fintech market because it leverages gamification in its UI and offers rewards to users upon credit card payments. There is no platform-specific fee on Cred that allows users to just pay the amount of their credit card due.

In addition, cred partners with different service providers to offer their services and products as rewards to its users. Through this, Cred provides an opportunity for businesses to promote their products and services. Consequently, Cred offers these products and services to users in the form of rewards for paying the bills.

Success Story of Blinkit: The Face of Quick Commerce

Blinkit is a quick commerce application that allows customers to place an order using their mobile app or website. Blinkit has over 7000 products on its platform that customers can browse and add to their virtual cart.

Blinkit provides easy payment mechanisms which are simple and efficient. The nearby delivery partners are responsible for delivering the order to the customer’s doorstep. Some other examples of quick commerce companies include Zepto, Swiggy, Instamart, BigBasket and Dunzo.

Some of the unique features of Blinkit include sending personalised messages to users to enhance user engagement. Blinkit has a 10-minute delivery feature, which in hindsight feels impossible but is true. Did you know that in March 2025, Blinkit delivered 1.65 to 1.75 million orders per day?

The company partners with multiple brand stores, which are one of the major revenue streams for Blinkit.  They also have the feature of online, hassle-free cancellation. Blinkit uses machine learning for effective demand forecasting and tasks like personalisation link. The app offers 24/7 AI and human agent-led chat support to handle customer queries and complaints. 

Technological Landscape of Blinkit & Cred

Blinkit and Cred are both mobile-first apps. They both use diverse technology stacks and offer seamless user experiences to customers. Cred app is limited to credit card users only, while Blinkit is a quick commerce app allowing quick delivery to customers.

Blinkit uses personalisation and a quick delivery service that sets it apart from its competitors. Cred uses gamification features to engage users and make credit card management interesting. Let’s see how these technologies create a differentiation for these applications in the market.

Use of AI in Blinkit 

• AI in Blinkit is the only way to enhance its quick commerce services, which include personalised recommendations to users, AI-powered search and optimised delivery routes.
• Blinkit uses AI for predicting demands, improving overall efficiency and personalising user experiences.
• Blinkit shows smart recommendations to users based on their past purchase history, viewed items and saved items in the cart. It helps their customers reach the conversion point.
• Blinkit has partnered with Microsoft and AI to cater to the unique needs of its customers. They create a unique shopping experience for users by delivering the ordered items in under 10 minutes time which is a revolution for quick commerce.

Gamification Features in Cred

• The Cred app features game-like elements that enhance the user experience through referrals, rewards, a spin-the-wheel feature, a cred game, and cred coins.
• One of the common strategies in the cred app is the inclusion of referral rewards. The Cred app offers gems to users upon sending a referral to their friends. The users can collect gems upon each referral, which they can sell in exchange for cool rewards.
• The referral program of credit is powered by artificial intelligence that allows Cred to keep track of whether the referral has uninstalled the app after installing it.
• Another effective gamification component in CRED is spin-the-wheel. It provides 10 chances to users every day to spin the wheel and try their luck to win rewards like gifts, vouchers, bitcoins, and more. 

To Sum Up

Blinkit is a revolution for quick commerce, while Cred just made finance management easy. Both applications are widely adopted by users to make their customer journey efficient. The focus on UI/UX, efficient customer journey and AI integration is what makes apps highly preferable for users. At least that’s true for apps like Blinkit and Cred.

Artificial intelligence is a common technology which is used in both applications. AI gamification, personalisation and customer experience management are a boon to a mobile app development company. For your mobile-first app development needs of your business, you can reach out to VerveLogic, a leading Mobile app development company in California. Contact our team to brainstorm ideas for the next mobile app revolution that will transform your business.